Can I claim on a closed account, no account number?

confused_house_wife

Hi i do not know if anyone can help me. I had a Halifax account for years and they started charging me nearly every month. In the end i closed the account. I was wondering can i still claim back the charges or is it to late for me.

pearsonow

As long as any charges where within 6 years then they can be claimed, see martins article for help in doing this, but yes as long as you/the bank can find out your account details, and its within the 6 year time limit it can be claimed back.

Coolmum66

Hi all

Just really need a bit of help and info. I did have an HSBC account - defaulted on my loan payments June 2004, then bank were really unhelpful so I closed the account. Got a payment plan on the defaulted amount and cleared it last year with inheritance money.

Anyway - finally got around to requesting bank statments, sent off £10 cheque as per Martin's instructions.

I guess what I really need to know is:
How long will it take to get statements back? Then I have to write again requesting refund? How long is that likely to take, and do the banks just pay or argue it with you?

I'm sorry if this has already been covered elsewhere - this is just really stressing me and I don't know why - perhaps I need a good kick:embarasse

Kurt_Hamster

Instead of a kicking just take a gentle stroll through this thread and all will be revealed http://forums.moneysavingexpert.com/showthread.html?t=400981

C2PR

Dear Forum,
Can Bank Charges be reclaimed from an account that was closed in Dec 2003. I have statements covering the last 6 years showing charges I have incurred?
Thanks in anticipation!

sldars

Can anyone tell me if you can claim back bank charges if the account is already closed? I was with HSBC a few years back and I may be a millionaire if I can....

If so how do I go about claiming it back from them? and how does the whole process work? Would it be six years back from now or the time I held the account?

Excuse me for being slightly thick with these matters!

Any help would be much appreciated!!!

DenWestie

have a good read here :

http://forums.moneysavingexpert.com/showthread.html?t=443765

Kurt_Hamster

sldars wrote: »

Can anyone tell me if you can claim back bank charges if the account is already closed? I was with HSBC a few years back and I may be a millionaire if I can....

Yes you can

If so how do I go about claiming it back from them?

See the above link.

and how does the whole process work? Would it be six years back from now or the time I held the account?

If you go via the Financial Ombudsman it's 6 years from your first letter of complaint. If you go via the court then it's 6 years from the date you issue the court claim.

peterdkay

I was wondering if it is possible for me to try and reclaim bank charges from my old bank account which is now closed.

Stephen_Leak

No. Try not. Do... or do not. There is no try.